If you suffer an injury at your job, should you file a claim for workers’ compensation? If you do file such a claim, what mistakes should you avoid? There are certain mistakes that are commonly made by workers when reporting an injury or illness related to work. Such mistakes can ruin your case of workers’ compensation in Massachusetts. Below are some of the common mistakes made by employees while filing a workers’ compensation claim in Massachusetts. Make sure you avoid them!
The whole process of getting workers’ compensation benefits relies on an employer getting notified of a work-related injury that prevents a worker from earning the full wages for 5 or more days. Once such a notice is received by an employer, the Massachusetts law needs the employer to provide the injury’s notice to its insurer of workers’ compensation, among the others, in order to facilitate the beginning of the process of determining benefits eligibility.
If you suffer an injury at work, avoid assuming that your employer is aware of it. Even in the case, you think your employer is aware of your illness or accident, avoid assuming that the employer would be taking proper action for it.
So, report your injury accurately, fully, and in written form to the employer at the earliest after suffering a mishap at a workplace or realizing that you have suffered an illness that’s work-related. This commences the benefits process. It also helps you build a firm base for your right of receiving the workers’ compensation benefits.
Your doctor certainly needs to know the details of your illness or injury when you visit his/her office for medical help. However, a doctor’s role is helping you recover fast, not notifying your employer about your injury so that you are given workers’ compensation benefits that you are eligible for. However, make sure that you are completely detailed and accurate about your work-related injuries with your doctor.
After reporting your work-related disabling condition or injury to your employer, if they suggest you to claim the benefits of your personal health insurance instead of reporting your injuries to obtain workers’ compensation benefits, do not agree!
Workers’ compensation offers employees medical expense reimbursements, various disability benefits, and other benefits aimed at helping them when they suffer any disability, illness, or injury due to their work. All or many of these benefits don’t come with your personal health insurance.
Health coverage pays for your medical bills, while typically requiring you to pay co-payments or deductibles. Your choice of doctors is also limited with it to approved medical practitioners. Restrictions and requirements are also likely to be imposed on where you receive treatment as well as how much treatment is offered to you.
On the other hand, with workers’ compensation, all your necessary and reasonable medical costs are covered without any co-payments, deductibles, or pre-established restrictions on up to what amount those expenses can be. Workers’ compensation also allows you to get treated by your preferred physician, simultaneously offering disability benefits for the time you are not able to work.
These are the key mistakes you should avoid while filing a workers’ compensation claim. There are several factors to consider while making such a claim. A Massachusetts workers’ compensation lawyer can guide you better in the process of filing a workers’ compensation claim.